1. Can I get a loan to buy a car if my credit card is overdue?

I can get a loan to buy a car if my credit card is overdue, provided that the user’s credit card has no serious overdue behavior. If a credit card holder is on the credit blacklist because it is overdue for more than 90 days, he or she cannot apply for a loan to buy a car. Cardholders can only apply for a loan to buy a car after their bad credit history is eliminated. Generally speaking, after the cardholder is overdue, he must pay off the balance in full, then continue to use the credit card for consumption and repay the loan on time. The previous bad credit record will be automatically eliminated after 5 years.

If a cardholder wants to buy a car, he can only apply for a loan to buy a car after his bad credit record is eliminated. Overdue credit card records will not always be kept. After the cardholder pays off the balance in full after the overdue date, and continues to use the credit card for consumption, he can repay on time. Then after 5 years, the previous bad credit record will be automatically eliminated.

What are the serious situations when a credit card is overdue? Three consecutive overdue payments and a total of 6 overdue payments; the monthly mortgage payment is overdue or not repaid for a total of 2 to 3 months. Then, the monthly car loan payment is overdue for 2 to 3 months, or the payments are not repaid; finally, personal credit cards are cashed out, and student loans are in arrears and are not repaid. If any of the above situations occurs, you will It will lead to a bad personal credit record of the borrower. In serious cases, it will be entered into the bank's "blacklist", so that you will not be able to buy a car.

What needs to be clear is that loans have three principles, namely safety, liquidity and efficiency.

2. If I have a credit card in my name, can I apply for a loan to buy a car?

1. If you have a credit card in your name, you can apply for a loan to buy a car. 2. Credit cards cannot have overdue records. 3. Provide your own bank salary statement. 4. Many banks and 4S stores have cooperation, and car loans are very simple to apply for.

3. Can I buy a car with a credit card?

Generally, 4S stores do not accept credit card payments. If you want to pay by credit card, the 4S store will ask you to pay an additional handling fee. But you can ask if the 4S store offers credit card installment plans? If there is installment payment, you can apply for credit card installment payment.